Ally Bank: Yields and Funding Costs
Data as of · Call Report Schedules RI and RC-K How we update
What the bank earns on its assets, what it pays for its funding, and the spread between them. Net interest margin is the output of the two: it is the engine of earnings for almost every commercial bank.
Compared with Q1 2026, Net interest margin rose 0.16 percentage points in Q2 2026 to 4.12%, the biggest move on this page. Within Utah, Ally Bank is 34th of 44 on net interest margin, 4.12% as of Q2 2026. Ally Bank reported 4.12% on net interest margin for Q2 2026, 0.68 points above the 3.44% median for banks in the $100B-250B asset tier.
Asset yields
| Line item | Q2 2026 |
|---|---|
| Yield on earning assets | 7.16% |
| Yield on loans | 8.06% |
| Yield on securities | 2.99% |
Funding costs
| Line item | Q2 2026 |
|---|---|
| Cost of funds | 3.18% |
| Cost of interest-bearing deposits | 3.09% |
| Cost of interest-bearing liabilities | 3.15% |
| Cost of borrowings | 4.21% |
Spread and margin
| Line item | Q2 2026 |
|---|---|
| Net interest margin | 4.12% |
| Yield to cost spread | 4.01% |
Interest income and expense
| Line item | Q2 2026 |
|---|---|
| Interest income on loans | $2.84B |
| Total interest expense | $1.33B |
| Interest expense on deposits | $1.21B |
Yields and Funding Costs trend
Last 12 quarters as filed. Every value plotted here also appears in the tables above.
Yields and Funding Costs by quarter
| Quarter | Yield on earning assets | Cost of funds | Net interest margin | Loans | Securities |
|---|---|---|---|---|---|
| Q3 2023 | 7.40% | 4.00% | 3.56% | 8.46% | 3.01% |
| Q4 2023 | 7.53% | 4.14% | 3.56% | 8.55% | 3.11% |
| Q1 2024 | 7.55% | 4.18% | 3.53% | 8.56% | 3.18% |
| Q2 2024 | 7.54% | 4.11% | 3.63% | 8.54% | 3.18% |
| Q3 2024 | 7.72% | 4.19% | 3.74% | 8.72% | 3.20% |
| Q4 2024 | 7.56% | 3.99% | 3.77% | 8.61% | 2.96% |
| Q1 2025 | 7.31% | 3.68% | 3.81% | 8.34% | 2.81% |
| Q2 2025 | 7.26% | 3.57% | 3.87% | 8.20% | 3.16% |
| Q3 2025 | 7.38% | 3.51% | 4.04% | 8.31% | 3.18% |
| Q4 2025 | 7.29% | 3.40% | 4.03% | 8.22% | 3.06% |
| Q1 2026 | 7.08% | 3.26% | 3.96% | 7.99% | 2.89% |
| Q2 2026 | 7.16% | 3.18% | 4.12% | 8.06% | 2.99% |
Ally Bank yields and funding costs, all the way back
Yields and Funding Costs back to 2001 · peer percentiles on every line item · Excel export
Unlock Ally Bank, freeSource: Call Report Schedules RI and RC-K, as filed with the FFIEC and standardized by BankRegReports. Dollar amounts are as reported, point-in-time; income statement items are year-to-date through the report date. See the full Ally Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 57803) · FFIEC NIC profile (RSSD 3284070)